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Other factors may well be involved

A Self-Certification mortgage allows you to state your income without providing the usual documentary evidence providing that your mortgage falls within certain stated criteria

The elements incorporated within the plan include cash, stocks and shares as well as insurance elements

Insurers impose various get out clauses, so as with all insurance cover it is vital to check what is included (and excluded) in the cover

This is a comprehensive report that provides information on construction and materials used as well as major and minor defects

This may cover issues such as disputes with neighbours

This will vary between lenders and products

Making an offer is one of the more stressful parts of buying a home

Endowments provide life assurance so that in the event of death the mortgage is paid off

There may need to be further formal letters before both parties are in full agreement and your offer is accepted

Mortgage Protects Schemes If you lose your sole source of income, the reality is that you will not be able to rely on the State to help with your loan repayments

Listing all the contacts involved in the move

How long does your present fixed, discounted or capped rate last for

Take the time to get up a little earlier and start your school or office run from the intended property

The investment vehicle is entirely portable and can be taken with you to a new lender no matter how many times you might move

This service is subject to a small fee, and is available by contacting: Experian Ltd Online: wwwukexperiancom/consumer Telephone: 0870 241 6212 Post: Consumer Service Help Centre Experian Ltd PO BOX 8000 Nottingham NG1 5GX Equifax PLC Online: wwwequifaxcouk Telephone: 0870 010 0583 Post: Credit File Advice Centre PO BOX 3001 Glasgow G81 2DT If you are experiencing problems with your credit you may wish to contact the following companies for some help and advice

Much depends on the agent, the seller and your confidence in your negotiation skills

Considering the current market conditions Excluding the property itself, the current condition of the national market is a significant factor in the process of negotiation

Blind Bids This is only applicable to buyers in Scotland. If there is more than one party showing and interest in a property then each party will put in a sealed bid before a specified closing date. Often the bid is over the asking price and made only after thorough research and inspection into the value and condition of the property. (Consultation with a professional is always advised) By law the seller is under no obligation to accept any of the offers made, but usually accepts the highest bid. If for any reason the seller wishes to decline all of the offers made, perhaps due to low bid prices, then they can reject the offers and start anew.

Normally just complete a form online and a price is given

Again, if you have any concerns about this, your solicitor will be able to advise you

Investment backed mortgage With this method you pay interest only to the lender and separately take out a suitable investment to repay the capital at the end of the mortgage term

A removal firm will normally supply a quote over the phone, based on the location your moving from and to

The redemption fee payable is often up to six times you currently monthly repayments

Noise abatement orders

Not all buyers pull out as a result of the condition of property itself, but it is worth noting that further enquiries should be made as to the reasons for a previous buyer pulling out

This will contain a number of conditions and other requirements that your solicitor will discuss with you

Know which location/s you prefer

Portable Mortgages Some mortgage products are portable (subject to the lender’s policy), which means if you move home you may be able to transfer your existing mortgage onto the new mortgage for your new home if you stay with the same lender.

Mortgage in principle A mortgage in principle is a conditional offer made by the mortgage lender to confirm that they will in principle give you the loan you have discussed, provided the information you have given is correct

Check for built-in appliances